Aldiva, Inc. is the preferred credit repair service and business development referral services partner for Gustan Cho Associates and it’s subsidiaries. GCA MORTGAGE Group endorses and refers all of our clients in need of credit repair and consultation services to Aldiva, Inc. due to their customer service business platform. Headed by owner and President Ali , Aldiva, Inc. is different from all other credit repair companies because she takes each individual client and analyze their credit report on each individual credit tradelines and evaluates on how to get it removed or sees if the creditor violated the fair reporting credit act. Ali has third party litigation attorneys in her network who acts on behalf of the consumer on a contingency basis. Besides credit restoration services Ali helps small businesses get LLCs, Corporations, and business credit. Aldiva, Inc. can prepare CPA letters for mortgage lenders for self-employeed borrowers. Aldiva, Inc. also does personal and business income taxes as well as ITIN for undocumented people so they are able to APPLY for a mortgage. Here is Aldiva, Inc. website
Welcome to Aldiva Inc. where protecting your business is essential by forming a separate legal entity. Let us guide you through the process of forming a corporate entity.
Gustan Cho Associates are experts in being able to do mortgage loans other lenders cannot do. Over 80% of the borrowers at Gustan Cho Associates are folks who could not qualify at other lenders. Repairing credit and boosting credit scores to qualify for a mortgage typically involves a combination of strategies aimed at improving your creditworthiness. Here are some steps you canCheck Your Credit Report: Obtain copies of your credit reports from all three major credit bureaus (Equifax, Experian, and TransUnion) and review them carefully for any errors or round-color);Dispute Errors: If you find any errors on your credit report, such as accounts that don’t belong to you or inaccurately reported late payments, dispute them with the credit bureaus to have them
Pay Bills on Time: Payment history is a significant factor in your credit score. Make sure to pay all your bills on time, including credit cards, loans, and utilities. Set up automatic payments or reminders to ensure you never miss a payment.
Reduce Credit Card Balances: Aim to lower your credit card balances, especially if they’re close to or at their credit limits. High credit card utilization can negatively impact your credit score.
Avoid Opening New Credit Accounts: Opening new credit accounts can temporarily lower your credit score. Avoid applying for new credit cards or loans while you’re trying to improve your credit -content-background-color); font-family: inherit; font-size: Keep Old Accounts Open: The length of your credit history is another important factor in your credit score. Keep old accounts open, even if you’re not actively using them, to maintain a longer credit history.
Diversify Your Credit Mix: Having a mix of different types of credit accounts, such as credit cards, installment loans, and a mortgage, can positively impact your credit score. If you don’t already have a diverse credit mix, consider responsibly adding different types of credit over time.
Be Patient: Improving your credit score takes time, especially if you have negative marks on your credit report. Be patient and continue practicing good credit.
Consider a Secured Credit Card: If you have difficulty getting approved for a traditional credit card, you may consider applying for a secured credit card. With a secured card, you’ll need to provide a security deposit, which typically becomes your credit limit. Using a secured card responsibly can help you build or rebuild your credit.
Seek Professional Help if Needed: If you’re struggling to improve your credit on your own, consider seeking help from a reputable credit counseling agency or a financial advisor who can provide personalized guidance and assistance.
By following these steps and being proactive about managing your credit, you can work towards repairing your credit and boosting your credit scores to qualify for a mortgage. Keep in mind that every individual’s credit situation is unique, so what works for one person may not work for another. It’s essential to find strategies that align with your specific financial circumstances and goals.
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